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Protecting People and Property from Wildfires

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Protecting Yourself and Property From Wildfires Wildfire season typically begins in May and stretches through October. However, because of higher than normal temperatures and drought conditions due to climate change, Western states like California, Oregon and Washington are seeing the wildfire season start earlier and end later each year. Nationally, there were 58,985 wildfires reported in 2021, compared to 58,950 wildfires reported the year before, according to the National Interagency Coordination Center. Of the reported wildfires, 7.1 million acres burned in 2021 compared to 10.1 in 2020. Additionally, a total of 5,972 structures were reported destroyed by wildfires in 2021. That number included 3,577 residences, 2,225 minor structures and 237 commercial/mixed residential structures, according to the NICC. The state with the highest number of structures lost in 2021 was California with 2,031 residences, 196 commercial/mixed residential structures and 1,136 minor structures, the NIC...
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Does Insurance Cover a Rental Car After an Accident?

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Does Insurance Cover a Rental Car After an Accident? You got into accident and now you’re inconvenienced because your vehicle is with the mechanic or at an auto body shop. Yet, you still need to get to work and drive the kids to their activities. Are you wondering if your auto insurance policy covers you for a car rental? If you took MAPFRE’s substitute transportation coverage and your vehicle is not drivable or in the shop for repairs, rental coverage could help get you back on the road. This is of course determined by the limits you purchased on your car insurance policy. Those limits can vary based on your policy attributes and the number of vehicles you have insured. If you have rental coverage, when selecting a rental vehicle, opt for a vehicle with a lower daily rate when possible. This choice will maximize the overall amount of available coverage. Your claim representative will assist you in obtaining a rental vehicle from a list of preferred companies to select from. So when d...
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Has Your Annual Mileage Changed?

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Has Your Annual Mileage Changed? If you’re not driving as much and putting less miles on your vehicle, it’s a good idea to update the annual mileage on your MAPFRE account. Doing so could potentially save you money! At MAPFRE, we are committed to being here for you! Because many people have changed their driving habits the last couple of years, we want to ensure that your premium reflects how much you are currently driving. To update your mileage, log into your online account then select Details, Billing & Documents under your auto policy, navigate to the Details tab, and enter updated mileage at the bottom of the page. Don’t forget to check the box acknowledging that the information you entered is accurate and click the submit button! After you update your mileage in your online MAPFRE account, we will determine if the change has resulted in a modification to your premium and will adjust eligible policies accordingly. That’s it! It’s really that easy. If you are having issues upd...
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Home Insurance for First Time Buyers

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Home Insurance for First Time Buyers Are you in the market for a new home or condominium? As part of that process, don’t forget that you’ll need to get homeowners insurance. Finding the right policy can be a challenge, especially for a first-time buyer. Unless you are paying cash for your new home, you will be getting a mortgage and most lenders require you to have homeowner’s insurance. Some lenders even require that it is lumped in and paid for as part of your mortgage. Homeowners insurance can cover damage to the interior and exterior of your home and can also protect you if someone gets hurt on your property. Before picking your policy, you first need to determine what homeowner’s insurance covers in most circumstances. With MAPFRE Insurance, a home policy will usually cover: Structural Property protection: This is to repair or replace the structure of your home as well as additional structures on your property such as detached garages, sheds, etc. in the event of storms, fire, l...
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Identifying Heating Oil Leaks and the Right Insurance Coverage to Protect Your Home

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Identifying Heating Oil Leaks and the Right Insurance Coverage to Protect Your Home If you’re one of many homeowners that heats their property with heating oil, you may be wondering if your homeowner’s insurance covers leaks and property damage. Over time, an oil tank is susceptible to rust buildup and corrosion. This can lead to an oil leak which can not only emit harmful toxins, but cause the oil to seep into your home and surrounding property leaving you a costly cleanup bill. Heating oil spills inside your home can damage many things, such as: Contaminate wells used for drinking water and irrigation and your ground water It can enter the soil in and around your home potentially contaminating storm/sanitary sewers, surface water, and drainage ditches Destroy the helpful bacteria found in septic systems, requiring that the full septic system be replaced Each of these problems can cost a homeowner thousands, or even hundreds of thousands, of dollars to correct. Working with your home...
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What Kind of Insurance Do You Need for a Boat?

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What Kind of Insurance Do You Need for a Boat? Whether you’re getting ready to take your fishing boat out on your favorite lake or cruise the 6,130 miles of New England coastline in your beautiful yacht, insuring your watercraft is a must to protect it against damage and losses. In New England, peak boating season typically begins in April and lasts only a few months. When you insure your watercraft, boat or yacht with MAPFRE Insurance, packaged coverage is available to include hull and liability. Hull value loss (physical loss or damage) coverage provides protection from direct, accidental physical loss or damage from external causes while your watercraft is afloat, ashore and in transit. Although subject to certain exclusions, hull value coverage ranges from $5,000 to  $750,000. Liability coverage protects against legal liability for damage done to property such as another boat, yacht, dock, bridge, or for any injury or death to another party suffered as a result of ownership, maint...
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Key Differences Between Water Damage and Flood Damage

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Key Differences Between Water Damage and Flood Damage Having water or flood damage to your home can be stressful, especially if you don’t understand what is covered and what isn’t under your homeowner’s policy. Water damage can be caused by plumbing issues, a flooded air-conditioning unit, or an overflowed washing machine. It can also be caused by a rain or snow event that may result in burst pipes or an ice dam that causes a sudden water leak inside your home. About one in 50 homeowners will file a water damage claim every year which accounts for almost 24% of all homeowners insurance claims, according to the Insurance Information Institute. The average water damage claim amount is just over $11,000, according to iPropertyManagement. Flood damage is caused by water from a natural disaster like heavy rains, snowmelt, storm surge, flash-flooding or a hurricane. This type of damage where water rises may not only impact you, but it can also impact your neighbors. Water damage to a buildi...
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